Biometric Authentication Token Generation for Secure Transactions

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Solution Overview

Problem

Existing systems face challenges in efficiently and securely authenticating electronic transactions, particularly in ensuring the legitimacy of documents that require witness or public notary verification, which can be time-consuming and resource-intensive.

Innovation Solution

A computing device processes transactions by receiving requests for authentication, obtaining biometric data from secondary users associated with the user account, and generating an authentication token upon approval, thereby confirming the identity of users and securing electronic documents.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If biometric authentication with secondary users is implemented, then security and fraud prevention are improved, but device complexity and processing time increase

Engineering Contradiction:

Improveauthentication securityVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The authentication system is segmented into multiple independent components: primary user authentication, secondary user identification, biometric data collection, and token generation. Each component operates independently but contributes to the overall security process, allowing the system to manage complexity through modular design while maintaining high security standards

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary actions by pre-identifying secondary users associated with the primary user account and preparing their biometric authentication protocols before the actual transaction occurs. This advance preparation reduces processing complexity during the critical authentication moment while maintaining rigorous security verification

Inventive Principle:

Principle #10Preliminary action

2Reliability

If multiple secondary users are authenticated, then fraud prevention is improved, but processing time increases

Engineering Contradiction:

Improvefraud preventionVSAvoidauthentication time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system enables self-service authentication where secondary users independently provide their own biometric data through their client devices without requiring manual verification by the primary user or system administrators. This automated self-verification process reduces authentication time while maintaining fraud prevention effectiveness

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system replaces manual witness verification processes with automated biometric authentication technology. Instead of physical presence and manual signing witnesses, the system uses digital biometric scanning and automated comparison algorithms, significantly reducing authentication time while enhancing fraud prevention capabilities

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Measurement precision

If biometric data is collected from secondary users, then authentication accuracy is improved, but data privacy risks increase

Engineering Contradiction:

Improveauthentication accuracyVSAvoiddata privacy risks

Core Design Contradiction:

Measurement precisionVSObject-affected harmful factors

Solution Approach 1:

The system introduces encrypted data transmission protocols and secure tokenization mechanisms as intermediaries between biometric data collection and storage. The biometric data is transformed into secure authentication tokens that cannot be reverse-engineered, protecting user privacy while maintaining authentication accuracy

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system creates a secure, isolated environment for biometric data processing where data is handled in encrypted form and stored in protected repositories with restricted access. This secure environment protects biometric information from unauthorized access while allowing accurate authentication comparisons to occur

Inventive Principle:

Principle #39Inert atmosphere (Inert environment)

Data Source

PatentUS10204215B2System and method for processing a transaction with secured authentication

Publication Date: 2019.02.12 MASTERCARD INT INC

AI summary

Embodiments of the disclosure enable one or more transactions to be processed with secured authentication. A system server receives a request for authentication for an article associated with a first user that is associated with a user account, identifies one or more client devices associated with one or more secondary users that are associated with the user account, communicates with the one or more client devices to obtain biometric data associated with the one or more secondary users, determines whether to approve the request for authentication based on the biometric data associated with the one or more secondary users, and, on condition that the request for authentication is approved, generates an authentication token. Aspects of the disclosure leverage authentication technology to authenticate one or more identities of one or more users to allow the users to confirm that an article is associated with another user.